by our College Data Analytics TeamThis guide covers the real cost of attending University of Science and Arts of Oklahoma, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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Cost of attendance at U of Science and Arts of Oklahoma varied between $21,258.00 and up to $32,448.00 depending on your residency status.
In-state residents qualified for the lower cost, with out-of-state students paying more: near $21,258.00 for in-state students versus $32,448.00 out-of-state.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $9,000.00 |
| + Room, board & other expenses | $12,258.00 |
| Total cost | $21,258.00 |
| That is 10% above the national average net price. |
| Total cost | $21,258.00 |
| − Grants and scholarships | −$14,038.00 |
| Net price | $7,220.00 |
| That is 62% below the national average net price. |
| Total cost | $21,258.00 |
| − Grants and scholarships | −$17,169.00 |
| Net price | $4,089.00 |
| That is 79% below the national average net price. |
| Tuition and fees | $20,190.00 |
| + Room, board & other expenses | $12,258.00 |
| Total cost | $32,448.00 |
| That is 69% above the national average net price. |
| Total cost | $32,448.00 |
| − Grants and scholarships | −$14,038.00 |
| Net price | $18,410.00 |
| That is 4% below the national average net price. |
| Total cost | $32,448.00 |
| − Grants and scholarships | −$17,169.00 |
| Net price | $15,279.00 |
| That is 21% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus room and board. |
Costs have trended upward in recent years by roughly 2.3% a year, so a full degree will cost more than a single year — the tables below carry that forward. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $4,182.00 | $7,384.00 | $21,742.00 |
| Senior year | $4,474.00 | $7,900.00 | $23,260.00 |
| Total 4-year net price | $17,308.00 | $30,560.00 | $89,980.00 |
| 10-year loan interest @ 6.8% | $6,594.00 | $11,642.00 | $34,279.00 |
| Total monthly payment | $199.00 | $352.00 | $1,035.00 |
| Total amount paid | $23,901.00 | $42,203.00 | $124,259.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $4,182.00 | $7,384.00 | $21,742.00 |
| Senior year | $4,277.00 | $7,552.00 | $22,236.00 |
| Total 2-year net price | $8,459.00 | $14,937.00 | $43,978.00 |
| 10-year loan interest @ 6.8% | $3,223.00 | $5,690.00 | $16,754.00 |
| Total monthly payment | $97.00 | $172.00 | $506.00 |
| Total amount paid | $11,682.00 | $20,627.00 | $60,732.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $15,627.00 | $18,829.00 | $33,186.00 |
| Senior year | $16,718.00 | $20,143.00 | $35,503.00 |
| Total 4-year net price | $64,672.00 | $77,925.00 | $137,344.00 |
| 10-year loan interest @ 6.8% | $24,638.00 | $29,687.00 | $52,323.00 |
| Total monthly payment | $744.00 | $897.00 | $1,581.00 |
| Total amount paid | $89,310.00 | $107,611.00 | $189,667.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $15,627.00 | $18,829.00 | $33,186.00 |
| Senior year | $15,982.00 | $19,257.00 | $33,941.00 |
| Total 2-year net price | $31,609.00 | $38,086.00 | $67,128.00 |
| 10-year loan interest @ 6.8% | $12,042.00 | $14,509.00 | $25,573.00 |
| Total monthly payment | $364.00 | $438.00 | $773.00 |
| Total amount paid | $43,651.00 | $52,596.00 | $92,701.00 |
For the complete net-price picture, see the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $6,624.00 |
| Average net price (off-campus) | $8,543.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,445.00 |
| $30,000 to $48,000 | $4,105.00 |
| $48,001 to $75,000 | $9,684.00 |
| $75,001 to $110,000 | $13,794.00 |
| Over $110,000 | $14,515.00 |
Get a tailored estimate from the University of Science and Arts of Oklahoma Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The typical debt load for borrowers leaving U of Science and Arts of Oklahoma works out to $10,736.00, which federal data classifies as a Low ($10-20k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,350.00 |
| 25th | $4,398.00 |
| Median (50th) | $10,736.00 |
| 75th | $20,483.00 |
| 90th | $31,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Dig deeper into debt on the student loan debt page.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $8,027.00 |
| Middle income | $9,500.00 |
| High income | $14,403.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $10,900.00 |
| Continuing-generation students | $10,500.00 |
First-generation graduates of U of Science and Arts of Oklahoma graduate with $400.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell vs non-Pell debt gap at U of Science and Arts of Oklahoma is $-2,000.00.
The federal default-rate classification for U of Science and Arts of Oklahoma is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 14.7% |
For context on the loan portfolio, Stafford disbursements at U of Science and Arts of Oklahoma amount to $59,400,879.00 over 4,128 borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 26 |
| Avg GI Bill amount | $3,016.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
The figures above are a starting point — as you weigh U of Science and Arts of Oklahoma, think through the questions below:
Dig further into the cost picture with the related pages below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.